Email not displaying correctly? View it in your browser.   FINANCIALLY FOCUSED December 2022 Newsletter   Medicare Prices Will Change in 2023   As 2022 heads to the finish line, those receiving Medicare benefits have received a dose of good news. Medicare Part B premiums and deductibles will shrink next year because the program spent less than anticipated in 2022. Unfortunately, the cost cuts Medicare recipients will see in 2023 are smaller than the increases beneficiaries were hit with in 2022.   Read More   There are at Least 100 Words for "Snow" in Russian Russia is a very big, very cold place. It makes sense that snow is just a part of life. Some of the very specific words for snow include: Phlyak – extremely fluffy snow great for downhill skiing, Tselyak – fresh snow that hasn’t been touched by anyone, and Naled – the annoying snow and ice that covers cars in the morning.   Sectors: Overweight, Underweight, or Just Right? The U.S. stock market had a banner year in 2021, with the S&P 500 index up almost 27%. Unfortunately, stocks turned downward on the second trading day of 2022 and kept sliding into a bear market. What does this mean for sector analysis?   Read More   Crustless Spinach Quiche This veggie-packed quiche is the perfect way to sneak in some healthy food amidst all the holiday feasting!   Get Cooking!   https://mykeytorussian.com/russian-words-for-snow/ E.T.S. Financial Services, LLC. is not affiliated or endorsed by the Social Security Administration or any government agency. Investment advisory services are offered by First Advisors National, LLC, a Registered Investment Advisor in the State of Georgia. Some of these materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.     Eric Scoggins, CLU, ChFC, CFP President and Financial Author 27 City Square Suite 2 | Hoschton, GA 30548 P: 770.904.1978 Ext: 705 F: 770-904-1978 W: www.etsfinancial.com E: eric@etsfinancial.com      This email was sent to {|RECIPIENT|}. Rather not receive it anymore? Unsubscribe {|DISCLOSURE|}